Mortgage Payment Calculator

Disclaimer: Monthly payments and other factors displayed are estimates based on values input by users and are for informational or educational purposes only. They do not represent a finance or other offer.

Payment Breakdowns

Home price: The dollar amount you expect to pay for a home.
Down payment: A down payment is the difference between a home’s purchase price and the amount of the mortgage against the property. The down payment must be paid upfront before the home purchase can close.
Interest rate: The dollar amount you expect to pay for a home.
Loan term: The length of time you have to pay back your loan (30-year and 15-year fixed-rate loans are common.)
Credit rating: A credit rating is an evaluation of the credit risk of a prospective debtor, predicting their ability to pay back the debt and an indicator of the debtor defaulting.
Annual Property Tax: The value represents an annual tax on homeowners' property and the tax amount is based on the home's value. To convert an annual property tax in dollars to a percentage, divide the property tax by your home value and then multiply by 100.
Home insurance: Commonly known as hazard insurance, most lenders require insurance to provide damage protection for your home and personal property from a variety of events, including fire, lightning, burglary, vandalism, storms, explosions, and more. All homeowner's insurance policies contain personal liability coverage, which protects against lawsuits involving injuries that occur on and off your property.
Monthly HOA Dues: Typically, owners of condos or townhomes are required to pay homeowners association dues (known as HOA fees) to cover common amenities or services within the property such as garbage collection, landscaping, snow removal, pool maintenance, and hazard insurance.
Interest: This display shows the monthly interest. This is the amount you would need to pay down the cost of borrowing.
Principal: This display shows the monthly principal, which is the amount of money you would borrow.
Annual Property Tax: The value represents an annual tax on homeowners' property and the tax amount is based on the home's value. To convert an annual property tax in dollars to a percentage, divide the property tax by your home value and then multiply by 100.
Home insurance: Commonly known as hazard insurance, most lenders require insurance to provide damage protection for your home and personal property from a variety of events, including fire, lightning, burglary, vandalism, storms, explosions, and more. All homeowner's insurance policies contain personal liability coverage, which protects against lawsuits involving injuries that occur on and off your property.
Monthly HOA Dues: Typically, owners of condos or townhomes are required to pay homeowners association dues (known as HOA fees), to cover common amenities or services within the property such as garbage collection, landscaping, snow removal, pool maintenance, and hazard insurance.

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